Your guide to capital notes

Capital notes are often issued by well-known banks, but are riskier than bank deposits. They may not be suitable for many investors so it pays to understand the complex and potentially risky nature of these investments, and whether they are suitable for you.

Your guide to product disclosure statements

Product disclosure statements (PDS) provide you with essential information to help you decide whether to invest in a financial product. It uses clear language to explain the product and replaces older forms of financial product disclosure information such as investment statements and prospectuses.

Your guide to foreign exchange trading

Online foreign exchange trading (also known as forex or FX trading) is used by some people to try to make a quick profit by betting on the changing value of foreign currencies. But they are just as likely to lose money as make it.

Crowdfunding: investing with the crowd

Crowdfunding works by many people (the crowd) putting in small amounts to raise money for a company or project.

Financial laws apply to equity crowdfunding. When you put money into equity crowdfunding, you’re buying shares. Typically, this will be in small or start-up businesses, meaning you become a part owner of the business.

Property syndicates

Property syndicates enable you to invest in commercial, residential and industrial property by pooling your money with other investors. They typically offer higher returns but can be riskier than other forms of property investment. It’s also important to note that high returns aren’t guaranteed and your money will usually be locked in.

How to spot an investment scam

Every year New Zealanders lose millions of dollars in investment scams. As part of being a smart investor, it’s important to learn how to identify some of the tricks scammers use in order to be able to protect yourself.

A director’s guide: the essentials of being an effective director

Being a director is more than just a title. This guide outlines some of the essential behaviours directors should demonstrate to meet legal, regulatory and ethical standards for directors, and tells you where you can go to find out more information.